Use this page as a one-stop reference for everything related to Central Bank of India's SAHARBANNI branch in KHAGARIA, BIHAR. The branch's IFSC code CBIN0285207 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Central Bank of India's SAHARBANNI branch, the IFSC CBIN0285207 breaks down as follows: CBIN identifies the bank, 0 is the reserved character, and 285207 identifies this particular branch.
Branch details at a glance
| Bank Name | Central Bank of India |
|---|---|
| Branch | Saharbanni |
| IFSC Code | CBIN0285207 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CENTRAL BANK OF INDIA VILL PO- SAHARBANNI, ALLAULI, DIST- KHAGARIA, BIHAR, 848203 |
| City | Khagaria |
| District | Khagaria |
| State | Bihar |
| STD Code | 22 |
| Phone | 22637967 |
Bank profile
Central Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Saharbanni branch — IFSC CBIN0285207 — extends the bank's services to customers in and around Khagaria, Bihar.
About this branch
The branch is located at CENTRAL BANK OF INDIA VILL PO- SAHARBANNI, ALLAULI, DIST- KHAGARIA, BIHAR, 848203. It serves the Khagaria region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Central Bank of India. The IFSC CBIN0285207 is used to identify this branch on the RBI payments network.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Central Bank of India's SAHARBANNI branch came to be assigned the code CBIN0285207.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC CBIN0285207, money simply cannot be routed to the SAHARBANNI branch electronically.
How to transfer money using IFSC CBIN0285207
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC CBIN0285207 across all three.
How to use IFSC CBIN0285207 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Central Bank of India's SAHARBANNI branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC CBIN0285207.
- Confirm the bank name auto-populates as Central Bank of India and the branch as SAHARBANNI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to SAHARBANNI
If you need to transfer ₹2 lakh or more in one go to an account at Central Bank of India's SAHARBANNI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CBIN0285207 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Central Bank of India – SAHARBANNI, use IMPS. With IFSC CBIN0285207 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CBIN0285207 for Central Bank of India – SAHARBANNI, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – CBIN0285207 | Yes – CBIN0285207 | Yes – CBIN0285207 |
For most retail customers crediting the Saharbanni branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC CBIN0285207
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Central Bank of India – SAHARBANNI is still mapped to IFSC CBIN0285207. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC CBIN0285207 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Saharbanni branch is mapped to IFSC CBIN0285207 on the RBI payments network. The branch generally supports the full retail product catalogue of Central Bank of India, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains CBIN0285207.
Banking services available
The Saharbanni branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-22637967.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC CBIN0285207
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Central Bank of India carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC CBIN0285207 and the account number together uniquely identify the Saharbanni branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Saharbanni branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC CBIN0285207 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Central Bank of India – SAHARBANNI:
- The IFSC is exactly CBIN0285207 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Central Bank of India as the bank name and SAHARBANNI as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
Reaching the branch
The Saharbanni branch sits at CENTRAL BANK OF INDIA VILL PO- SAHARBANNI, ALLAULI, DIST- KHAGARIA, BIHAR, 848203. If you are travelling from outside Khagaria, search for the branch on a maps application using the bank name and locality, or call 22-22637967 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC CBIN0285207 and your account number.
Verifying IFSC CBIN0285207 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm CBIN0285207 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-22637967.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Saharbanni are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to CBIN0285207 continue to work without interruption.
Branch address & contact
Central Bank of IndiaSaharbanni Branch
CENTRAL BANK OF INDIA VILL PO- SAHARBANNI, ALLAULI, DIST- KHAGARIA, BIHAR, 848203
Khagaria, Bihar
Phone: 22-22637967
IFSC: CBIN0285207
Frequently asked questions
What is the phone number of Central Bank of India Saharbanni branch?
You can reach the branch at 22-22637967 during regular banking hours.
Is IFSC CBIN0285207 valid for NEFT and RTGS?
Yes. IFSC CBIN0285207 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC CBIN0285207 the same for all accounts at Saharbanni branch?
Yes. The IFSC CBIN0285207 is shared by every account held at Central Bank of India's Saharbanni branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using CBIN0285207 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Central Bank of India – Saharbanni reflect within 30 minutes.
How do I add Central Bank of India Saharbanni as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CBIN0285207, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Central Bank of India Saharbanni branch?
The IFSC code of Central Bank of India, Saharbanni branch is CBIN0285207. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Central Bank of India Saharbanni branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-22637967 to confirm.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Saharbanni branch but serve different purposes.
Final notes
To recap: CBIN0285207 is the IFSC code of Central Bank of India, SAHARBANNI branch, in KHAGARIA, BIHAR. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
